Tag Archives: American Express

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I Paid $5,341 in Credit Card Annual Fees in 2024 – Was it Worth it?

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Good afternoon everyone, I hope your holiday season is going well.  With the end of the year right around the corner, I decided to publish my 2024 version of credit card annual fees I paid this year.  For comparison, here are my previous credit card annual fee posts:

For this year’s post, I decided to break up the list of credit cards into 5 sections:

  • Credit cards with sign up bonuses
  • Credit cards with retention offers
  • Credit cards with product changes
  • Credit cards that were closed this year
  • All other credit cards

For simplicity, I did not include the value of miles or points earned from credit card spend, but I did include the value of miles and points earned from sign up bonuses, referral bonuses, anniversary points, discounted points, and rebated points.  I counted all credits, reimbursements, and retention offers at face value.  I list the value of all tangible and intangible benefits below too.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2024 and those values are in the CCB $ column. If I received a retention offer, that is listed in the RO $ column. I listed the credit card annual fees in the AF $ column. Lastly, I used this formula to calculate the Profit or Loss (P/L column) for each credit card: CCB $ + RO $ – AF $ = P/L.  Laura’s card are included as well. Continue reading →

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Sortable Table of Eligible Properties for $200 Semi Annual Hilton Resort Credit (40 More Properties Added)

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Updated 8pm PT on 12/21/24: The table below has been updated with 40 new properties.  15 of the properties are in the Curio Collection and 15 of the properties are in Hilton Hotels & Resorts.  3 properties were removed.  Please go to the bottom of this post to see all the changes.

Good evening everyone, I hope your weekend is going well.  Recently, American Express and Hilton updated their list of properties that are eligible for the $200 semi annual Hilton resort credit on the American Express Hilton Honors Aspire Credit Card.  The current list (found here) contains 294 properties (as of 12/21/24), but they are grouped by Brand Name, not sorted alphabetically by property name or country.  This makes it difficult to find a property or see which properties are available in certain cities or countries around the world.  I decided to take a crack at the list and add the city and country for each property and make the list sortable and searchable.

For some international properties, I was not sure which part of the property address was the city vs province / state / territory, so I need your help.  Please review the list and let me know if the city listed next to a specific property is incorrect and I will update the table.

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Buyer Beware! Klook Travel OTA Offers Misleading Saver / Basic Economy Flights

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Good afternoon everyone, I hope your weekend is going well.  A few weeks ago, I read Frequent Miler’s article: Klook lets you book flights, car rentals, trains & more (stack with Amex Offer) and thought it would be a good way to get a discount on an upcoming flight.  Nope! Klook turned out to be a nightmare, and I wanted to write this post to warn others and prevent them from experiencing the same issues I faced.

Long story short, there is a Klook AMEX Offer for $80 off $400 and you could stack that with a Klook promo code to take an additional 10% off your flight.  Unfortunately, Klook sells Saver / Basic Economy flights and there is no notification anywhere on their site or through the booking process that says the flight you are booking is a Saver / Basic Economy flight.  Cancelling a flight booked on Klook is also a frustrating experience.

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My Frustrating Experience with Etihad Guest Customer Service and the Virtual Visa Reward Card App #rant

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Good morning everyone, I hope your week is going well.  I have a rant to get off my chest about Etihad Guest customer service and the Etihad Reward Card app.  Long story short, 2,500 Etihad Miles expired while my account was suspended and I wasted 907 Etihad Miles on a $5 Amazon gift card balance reload.  I understand that the previous sentence makes no sense, but if you will indulge me, here is the complete story…

I received an email from AwardWallet on September 23, that my 2,500 Etihad Miles were going to expire in 7 days on September 30.  I received a reminder email from AwardWallet a month earlier about these expiring miles, so I transferred 1,000 American Express Membership Rewards Points to my Etihad account because I *assumed* that receiving more miles would keep my current stash of Etihad Miles from expiring.  Wrong!

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Switching Marriott Bonvoy Business Credit Card from Chase to American Express Paid Off with 5 Marriott 50K Free Night Certificates

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Updated at 8:30am on 10/9/24: I updated this post after the sign up bonus posted a few days ago.

Good morning everyone, I hope your week is going well. This post has been a work in progress for several months since March 2024.  Let me explain.  Back in March 2024, American Express had an increased sign up bonus on the American Express Marriott Bonvoy Business Credit Card that offered 3 Marriott 50K Free Night Certificates (FNC) after spending $6,000 in 3 months.  That was a great offer, but due to Marriott’s Eligibility Matrix (see Frequent Miler’s awesome chart), I wasn’t eligible for the AMEX Marriott Bonvoy Business Credit Card because I currently had the Chase Marriott Bonvoy Premier Plus Business Credit Card. I would need to close my old Chase card, wait 30 days, and then apply for the new AMEX card.

This was a big gamble because there was no guarantee that the AMEX card would have a decent sign up bonus again in the future and because my Chase card was no longer available, so once I closed that card, I could never get it back.  I strongly prefer to hold onto cards that are no longer available, like my Chase Ink Plus and my JPMorgan Chase Ritz Carlton.

The increased sign up bonus on the AMEX card ended on March 20, 2024, and my Marriott 35K FNC from the Chase card would post the following month in April 2024.  As expected, the FNC posted to my Marriott account on April 15, 2024, and now was the time to proceed with my plan.

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